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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $80,000 |
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $43,723 |
RBT CPAS, LLP5 years Filed as: RBT CPAS Service code 10 · EIN 14-1604297 | Accounting | $14,790 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,050 | $67,512+27.5% | $185,854-53.7% | $93,010-7.5% |
| Participation rate | 61.6% | 67.1%-5.5pp | 81.7%-20.1pp | 73.9%-12.3pp |
| Annual return | 39.72% | 21.04%+18.7pp | 122.12%-82.4pp | 158.70%-119.0pp |
| Employer contribution / active EE | $1,430 | $1,783-19.8% | $5,169-72.3% | $2,705-47.1% |
| Participant deferral / active EE | $4,479 | $3,035+47.6% | $5,569-19.6% | $4,561-1.8% |
| Admin fee / account holder | $14 | $318-95.7% | $16,246-99.9% | $152-91.1% |